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Laura,</div>
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What an interesting question! I think the answer will depend on FAFSA procedures. Just like the POMS has includable and excludable resources for Medicaid, I believe FAFSA has very specific regulations on that.
<a title="https://studentaid.gov/articles/fafsa-for-parents/" href="https://studentaid.gov/articles/fafsa-for-parents/">
StudentAid.gov</a> states that Trust Funds are "investments" that must be disclosed on the FAFSA. However, apparently Retirement Accounts and Life Insurance are not "investments"?! That seems like a loophole you can drive a semi truck through. Perhaps I should
invest in a single premium whole life policy when my kids apply to college.</div>
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Best,<br>
Nick</div>
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<span style="font-family: Aptos, Aptos_EmbeddedFont, Aptos_MSFontService, Calibri, Helvetica, sans-serif; font-size: 12pt; color: black;"><b>Nicholas Pleasants | Shareholder</b></span></p>
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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size:11pt" color="#000000"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com> on behalf of Laura Latta <laura@lauralatta.com><br>
<b>Sent:</b> Tuesday, December 9, 2025 3:27 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Trusts for College Financial Aide purposes?</font>
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<div>Hello Listmates & Happy Holidays!</div>
<div>I was recently asked whether trusts can be used to assist families (who might not otherwise qualify) receive federal college financial aid? (Similar to a medicaid trust, but for financial aid?) I don't do this work (nor am I considering doing it), but
I would be curious to know if this is something that is out there and if so, is it legitimate? </div>
<div>Warmly,</div>
<div>Laura </div>
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<font color="#45818e" face="georgia, serif"><b>Laura Latta<br>
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